Deutsche Bank

Credit Officer, Associate

India · Work style not stated · Full time

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EmployerDeutsche Bank
LocationIndia
Work styleWork style not stated
Employment typeFull time
Employer posted23 Sep 2026

Job Description:

In Scope of Position based Promotions

Job Title: Credit Officer, Associate

Location: Mumbai, India

Role Description

Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients.

Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda.

The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risk’s transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same.

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What we’ll offer you

Best in class leave policy

Gender neutral parental leaves

100% reimbursement under child care assistance benefit (gender neutral)

Flexible working arrangements

Sponsorship for Industry relevant certifications and education

Employee Assistance Program for you and your family members

Comprehensive Hospitalization Insurance for you and your dependents

Accident and Term life Insurance

Complementary Health screening for 35 yrs. and above

Your key responsibilities

Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.

Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval.

Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.

On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB’s exposure in mind.

Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews.

Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.

Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations

Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB’s exposure and timely completion of the credit reviews.

Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies.

Ensure compliance with relevant and applicable local and global regulatory and policy requirements

Your skills and experience

Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.

Relevant work experience in credit underwriting

Strong analytical skills, knowledge of financial markets and economic/industry trends

Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

How we’ll support you

Training and development to help you excel in your career

Coaching and support from experts in your team

A culture of continuous learning to aid progression

A range of flexible benefits that you can tailor to suit your needs

About us and our teams

Please visit our company website for further information:

https://www.db.com/company/company.html

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

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